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H  0޽h ? 33___PPT10i.<+D=' b= @B ++ bK0 *"0(  0x 0 c $pQC( `}  Q  0 HCQ?"0@NNN?NMd   mLa cantidad de dinero existente en la economa se puede incrementar a travs de las operaciones que realizan las entidades financieras: - DEPSITOS - PRSTAMOS y CRDITOS Cuando un agente econmico deposita dinero en una entidad financiera, sta va a prestar una parte a otros agentes econmicos y otra parte se la queda en su poder. El porcentaje que se queda el banco de los depsitos se denomina COEFICIENTE DE CAJA, fijado por el Banco Central Europeo actualmente en el 2%.T(2% 25(2"<  0 dAD(logoecomur  Q1 0 Hp?"0@NNN?N, Fernando Mur - 2003(2f.    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=-6B'blinds(horizontal)*<3<*9PDT' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*:P%(D' =-6B'blinds(horizontal)*<3<*:PD' b=%(D' =%(DX' =A@BBB B0B%(D' =1:Bvisible*o3>+B#style.visibility<*;P%(D' =-6B+checkerboard(across)*<3<*;P+p+0+P_ ++0+PQ ++0+ P ++0+ P ++0+PQ ++0+P ++0+PQ ++0+PQ ++0+PQ ++0+P ++0+P ++0+P ++0+P/ ++0+"P ++0+"P ++0+"P/ ++0+#P ++0+#P ++0+#PQ ++0+$P ++0+%P ++0+%PQ ++0+%P ++0+&PQ ++0+&P ++0+*P ++0+-P ++0+0P/ ++0+6P/ ++0+7P/ ++0+8P/ ++0+9P/ ++0+:P/ ++0+;P + bK0 T(  T~ T s *"C( `}    T H\l?"0@NNN?NMdYF  ,En este proceso se observa que a partir de un depsito bancario y a travs de sucesivas operaciones de prstamos y depsitos, se crea dinero en la economa. Si los tres depositantes (Sr. Garca, Empresa A y Empresa B) sacaran su dinero del banco, habra en la economa 1.000 + 980 + 960,4 = 2940,40 . La obligacin que tienen las entidades bancarias de mantener un nivel de reservas (coeficiente de caja) se exige para poder hacer frente a los posibles reembolsos de los clientes de las entidades.(2   T dAD(logoecomur  1 T H ?"0@NNN?N, Fernando Mur - 2003(2f.    H T 0޽h ? h___PPT10i.= %i4+D=' b= @B +  bK0 ~vX(  X~ X s *C( `}    X H?"0@NNN?NMdY  Cundo termina el proceso? Cuando no haya ninguna entidad financiera que mantenga reservas superiores al coeficiente legal de caja. Cunto dinero se puede crear como mximo? Se multiplica la base monetaria por el denominado Multiplicador de la oferta de dinero (1 / Coeficiente de caja). En este caso: 1000 x 1/0,02 = 50.000 6O(2l+N  X dAD(logoecomur  B X BD?"0@NNN?NC= C X H\?"0@NNN?N`jG O1(2 1 X H?"0@NNN?N, Fernando Mur - 2003(2f.    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